Research In Financing Problems Of Zhuzhou’s Small Micro Enterprise

Small and micro enterprise is the micro foundation of market economy, small scale plays big irreplaceable role in promoting social stability, entrepreneurship, the national tax revenue, technological innovation as capillary in human body, however, the financing difficulty has been a significant bottle neck of its development and is trend to be further deterioration.Zhuzhou as the old industrial base in Chinese is the comprehensive pilot area of two types of social construction, the gathering place of real economy in Chang Zhu Tan integral zone. The small and micro enterprise acts a important role to promote regional economy development and achieve the economy updating and transformation in Zhuzhou, it also confront the financing problem, the detailed aspects as follows: severe contradiction between demand and supply, narrow financing channel,high cost of financing, high risk and unreasonable financing structure, etc.Regarding to these barriers, the Zhuzhou municipal government, financial institutions and other departments have promulgated a number of policies and measures, although, certain progress obtained, for the majority of small and micro enterprise, is still superficial. Upon on that, this essay aims to start from the financing status and exited problems of small and micro enterprise and tries to account this case from varies points of views,deeply analyze the roots cause of current financing problems and proposes solutions.The essay introduces the research background and significance,research status at home and broad at first, then defines the basic theory of enterprise financing and identification of small and micro enterprise briefly, thirdly existed problems are found in the financing process of small and micro enterprises in Zhuzhou by understanding their development and financing status, and the internal and external causes to financing problems of small and micro enterprises in Zhuzhuou are analyzed. Personally speaking, the following aspects man be helpful to resolve the financing problems of small and micro enterprises in Zhuzhuou by referring the advanced financing experience of domestic and outside small and micro enterprises and combining the actual situations of small and micro enterprises in Zhuzhou:(firstly)small and micro enterprises shall improve themselves in all aspects of levels,including the development of products to enhance the core competitiveness of enterprises, strengthen the financing management level to improve the financing ability, strengthen the credit construction to improve credibility, strive for the financing support of national policies;(secondly) financing institutions can lean from the advanced enterprises of other banks, optimize the related strategy, planning and management system, innovate the exclusive financing products and service mode forsmall and micro enterprises, develop the matched technologies and tools exclusive for small and micro enterprises.(thirdly)vernment should increase financial support for Small and micro businesses, improve the financial organization system to broaden Small and micro businesses financing channel, standardize the financing behavior in order to reduce the cost of financing Small and micro businesses, create a favorable financing environment for Small and micro businesses. In short, the financing problems of Zhuzhou city Small and micro businesses and many more, the reason is very complex, to solve the problem of financing Small and micro businesses need joint efforts, cooperate with each other to achieve.